The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$21,936
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,618
−HK$694/mo
Today · 4.125%
HK$23,312
baseline
▲ 0.50% · 4.625%
HK$24,730
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,624/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,404
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,058
−HK$664/mo
Today · 4.125%
HK$25,722
baseline
▲ 0.50% · 4.625%
HK$27,078
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,444/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,323
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,142
−HK$832/mo
Today · 4.125%
HK$27,974
baseline
▲ 0.50% · 4.625%
HK$29,676
+HK$1,702/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,948/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,284
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,070
−HK$796/mo
Today · 4.125%
HK$30,866
baseline
▲ 0.50% · 4.625%
HK$32,493
+HK$1,627/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,732/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,710
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,666
−HK$970/mo
Today · 4.125%
HK$32,636
baseline
▲ 0.50% · 4.625%
HK$34,622
+HK$1,986/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$65,272/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,165
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,081
−HK$930/mo
Today · 4.125%
HK$36,011
baseline
▲ 0.50% · 4.625%
HK$37,909
+HK$1,898/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$72,022/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,485
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,713
−HK$1,248/mo
Today · 4.125%
HK$41,961
baseline
▲ 0.50% · 4.625%
HK$44,514
+HK$2,553/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,922/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,927
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,105
−HK$1,195/mo
Today · 4.125%
HK$46,300
baseline
▲ 0.50% · 4.625%
HK$48,740
+HK$2,440/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,600/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,999 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).